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Mortgage and Lending - Guaranteed Rate, Marin County, CA - NMLS: 22343
RECENT BLOG POSTS
How Do Rate Locks Work?  There is one thing in common among all of our clients.  No matter what price point, no matter what loan size, no matter good credit or bad, no matter first-time buyer or seasoned investor, all are looking for the lowest interest rate at the lowest cost.  But how does a mo...
08/04/2020
Anyone Can Hold the Helm When the Sea is Calm  If your business is anything like mine, COVID is presently dishing out challenge after challenge to the way you (used to) work.  If it hasn't already driven many nails into the coffin of the way things were, then I'm willing to bet you're within ears...
07/28/2020
How Long Is a Pre-Approval Good For?  You've decided to make the leap and enter the real estate market as a buyer.  You've been looking at homes online, the temptation has become too strong and you realize it's time to hit the street and actually start looking at properties.  Your Realtor almost ...
07/22/2020
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Expertise Unmasked  A couple of years ago, we found a home we really loved.  The market was competitive at the time, but we choked on the list price and thought about going in a bit under it.  Our Realtor, someone recommended to us, someone possessing a proven track record in the community and so...
07/12/2020
How Long Does It Take to Get Pre-Approved?  Many real estate markets in California move fast, but it's been this way for years.  When a hot property hits, perhaps there's a showing on Sunday (more on that in a bit, and in the context of COVID-19) and then offers are due on Tuesday, with some buye...
07/07/2020
Your Pandemic Guide to a Jumbo Mortgage  "Our Realtor said it's very difficult to get a jumbo loan these days.""We tried to do a cash out jumbo refi on our place but our bank told us that they're not doing those anymore.""We wanted to refinance our jumbo loan but by the time we did the research t...
05/28/2020
Will My Property Taxes Go Up If I Refinance?  Because the current interest rate environment is so conducive to refinancing, a concern that some have about taking action stems from confusion related to how their property taxes are determined, and specifically the question, "Will refinancing cause ...
05/19/2020
How Hard Is It to Refinance a Mortgage?  On a weekend morning you wake up:A)  Before 6AM.B)  Before 8AM.C)  Before 10AM.D)  Yeah, yeah, I'm awake... It's time to take out the trash when:A)  Pickup is the following day.B)  The level of trash is approaching the top of the trash can.B)  The level of...
05/13/2020
N/O/O:  Jumbo Mortgage's Scarlet Letters  May 1, 2020Day 46 of Shelter-in-Place If you are a real estate investor at this time, in this market and looking for a jumbo mortgage to buy a non-owner occupied home (N/O/O), you may feel like our industry sees you with a scarlet letter(s) on your chest....
05/05/2020
A big THANK YOU for helping make me a top originator in 2019. I'm proud to be among Guaranteed Rate's top originators in the country, as ranked by industry publication Mortgage Executive Magazine.  For 2019, Guaranteed Rate placed 45 of us in the nation's Top 200, and we could not have done this ...
04/28/2020
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Rob Spinosa

SVP of Mortgage Lending, Marin County
Can I Get a Jumbo Loan with 10% Down?
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